Credit Defaults

Dataset statistics

Number of variables	26
Number of observations	10000
Missing cells	0
Missing cells (%)	0.0%
Duplicate rows	0
Duplicate rows (%)	0.0%
Total size in memory	1.9 MiB
Average record size in memory	201.0 B

Variable types

NUM	22
CAT	2
BOOL	2

Warnings

`BILL_AMT2` is highly correlated with `BILL_AMT1` and 1 other fields	High correlation
`BILL_AMT1` is highly correlated with `BILL_AMT2`	High correlation
`BILL_AMT3` is highly correlated with `BILL_AMT2` and 1 other fields	High correlation
`BILL_AMT4` is highly correlated with `BILL_AMT3` and 1 other fields	High correlation
`BILL_AMT5` is highly correlated with `BILL_AMT4` and 1 other fields	High correlation
`BILL_AMT6` is highly correlated with `BILL_AMT5`	High correlation
`PAY_AMT2` is highly skewed (γ1 = 24.47786596)	Skewed
`ID` has unique values	Unique
`PAY_0` has 4918 (49.2%) zeros	Zeros
`PAY_2` has 5269 (52.7%) zeros	Zeros
`PAY_3` has 5340 (53.4%) zeros	Zeros
`PAY_4` has 5530 (55.3%) zeros	Zeros
`PAY_5` has 5660 (56.6%) zeros	Zeros
`PAY_6` has 5443 (54.4%) zeros	Zeros
`BILL_AMT1` has 668 (6.7%) zeros	Zeros
`BILL_AMT2` has 929 (9.3%) zeros	Zeros
`BILL_AMT3` has 1022 (10.2%) zeros	Zeros
`BILL_AMT4` has 1162 (11.6%) zeros	Zeros
`BILL_AMT5` has 1267 (12.7%) zeros	Zeros
`BILL_AMT6` has 1430 (14.3%) zeros	Zeros
`PAY_AMT1` has 1837 (18.4%) zeros	Zeros
`PAY_AMT2` has 1823 (18.2%) zeros	Zeros
`PAY_AMT3` has 2018 (20.2%) zeros	Zeros
`PAY_AMT4` has 2210 (22.1%) zeros	Zeros
`PAY_AMT5` has 2324 (23.2%) zeros	Zeros
`PAY_AMT6` has 2423 (24.2%) zeros	Zeros

Reproduction

Analysis started	2020-12-28 14:41:31.688612
Analysis finished	2020-12-28 14:42:41.000704
Duration	1 minute and 9.31 seconds
Software version	pandas-profiling v2.9.0
Download configuration	config.yaml

ID
Real number (ℝ_≥0)

UNIQUE

Distinct	10000
Distinct (%)	100.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	5000.5
Minimum	1
Maximum	10000
Zeros	0
Zeros (%)	0.0%
Memory size	78.1 KiB

Quantile statistics

Minimum	1
5-th percentile	500.95
Q1	2500.75
median	5000.5
Q3	7500.25
95-th percentile	9500.05
Maximum	10000
Range	9999
Interquartile range (IQR)	4999.5

Descriptive statistics

Standard deviation	2886.89568
Coefficient of variation (CV)	0.5773214038
Kurtosis	-1.2
Mean	5000.5
Median Absolute Deviation (MAD)	2500
Skewness	0
Sum	50005000
Variance	8334166.667
Monotocity	Strictly increasing

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
2047	1	< 0.1%
5424	1	< 0.1%
1338	1	< 0.1%
7481	1	< 0.1%
5432	1	< 0.1%
9526	1	< 0.1%
3379	1	< 0.1%
1330	1	< 0.1%
7473	1	< 0.1%
9518	1	< 0.1%
Other values (9990)	9990	99.9%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
1	1	< 0.1%
2	1	< 0.1%
3	1	< 0.1%
4	1	< 0.1%
5	1	< 0.1%

Value	Count	Frequency (%)
10000	1	< 0.1%
9999	1	< 0.1%
9998	1	< 0.1%
9997	1	< 0.1%
9996	1	< 0.1%

LIMIT_BAL
Real number (ℝ_≥0)

Distinct	74
Distinct (%)	0.7%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	167871
Minimum	1000
Maximum	800000
Zeros	0
Zeros (%)	0.0%
Memory size	78.1 KiB

Quantile statistics

Minimum	1000
5-th percentile	20000
Q1	50000
median	140000
Q3	240000
95-th percentile	440000
Maximum	800000
Range	799000
Interquartile range (IQR)	190000

Descriptive statistics

Standard deviation	131915.0011
Coefficient of variation (CV)	0.785811731
Kurtosis	0.4596630385
Mean	167871
Median Absolute Deviation (MAD)	90000
Skewness	0.9737561444
Sum	1678710000
Variance	1.740156752e+10
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
50000	1071	10.7%
20000	680	6.8%
30000	532	5.3%
80000	505	5.1%
200000	485	4.9%
150000	352	3.5%
100000	348	3.5%
180000	321	3.2%
360000	305	3.0%
140000	261	2.6%
Other values (64)	5140	51.4%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
1000	100	1.0%
10000	164	1.6%
20000	680	6.8%
30000	532	5.3%
40000	75	0.8%

Value	Count	Frequency (%)
800000	1	< 0.1%
750000	2	< 0.1%
740000	1	< 0.1%
730000	1	< 0.1%
720000	1	< 0.1%

SEX
Categorical

Distinct	2
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.1 KiB

2	6023
1	3977

Frequencies
Length

Value	Count	Frequency (%)
2	6023	60.2%
1	3977	39.8%

Frequencies of value counts

Unique

Unique	0 ?
Unique (%)	0.0%

Histogram of lengths of the category

Length

Max length	1
Median length	1
Mean length	1
Min length	1

EDUCATION
Real number (ℝ_≥0)

Distinct	7
Distinct (%)	0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	1.8961
Minimum	0
Maximum	6
Zeros	8
Zeros (%)	0.1%
Memory size	78.1 KiB

Quantile statistics

Minimum	0
5-th percentile	1
Q1	1
median	2
Q3	2
95-th percentile	3
Maximum	6
Range	6
Interquartile range (IQR)	1

Descriptive statistics

Standard deviation	0.8972097238
Coefficient of variation (CV)	0.4731869225
Kurtosis	4.600476642
Mean	1.8961
Median Absolute Deviation (MAD)	1
Skewness	1.566305956
Sum	18961
Variance	0.8049852885
Monotocity	Not monotonic

Histogram with fixed size bins (bins=7)

Value	Count	Frequency (%)
2	4585	45.9%
1	3514	35.1%
3	1633	16.3%
6	124	1.2%
5	90	0.9%
4	46	0.5%
0	8	0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	8	0.1%
1	3514	35.1%
2	4585	45.9%
3	1633	16.3%
4	46	0.5%

Value	Count	Frequency (%)
6	124	1.2%
5	90	0.9%
4	46	0.5%
3	1633	16.3%
2	4585	45.9%

MARRIAGE
Categorical

Distinct	4
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.1 KiB

2	5287
1	4476
3	224
0	13

Frequencies
Length

Value	Count	Frequency (%)
2	5287	52.9%
1	4476	44.8%
3	224	2.2%
0	13	0.1%

Frequencies of value counts

Unique

Unique	0 ?
Unique (%)	0.0%

Histogram of lengths of the category

Length

Max length	1
Median length	1
Mean length	1
Min length	1

AGE
Real number (ℝ_≥0)

Distinct	55
Distinct (%)	0.5%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	35.3308
Minimum	18
Maximum	75
Zeros	0
Zeros (%)	0.0%
Memory size	78.1 KiB

Quantile statistics

Minimum	18
5-th percentile	23
Q1	28
median	34
Q3	41
95-th percentile	53
Maximum	75
Range	57
Interquartile range (IQR)	13

Descriptive statistics

Standard deviation	9.373022816
Coefficient of variation (CV)	0.2652932517
Kurtosis	0.03356523187
Mean	35.3308
Median Absolute Deviation (MAD)	6
Skewness	0.698678083
Sum	353308
Variance	87.85355672
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
29	533	5.3%
27	492	4.9%
28	483	4.8%
30	479	4.8%
31	425	4.2%
26	412	4.1%
32	380	3.8%
33	378	3.8%
24	374	3.7%
35	374	3.7%
Other values (45)	5670	56.7%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
18	100	1.0%
21	25	0.2%
22	178	1.8%
23	308	3.1%
24	374	3.7%

Value	Count	Frequency (%)
75	2	< 0.1%
73	1	< 0.1%
72	2	< 0.1%
71	1	< 0.1%
70	3	< 0.1%

PAY_0
Real number (ℝ)

ZEROS

Distinct	11
Distinct (%)	0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	-0.0189
Minimum	-2
Maximum	8
Zeros	4918
Zeros (%)	49.2%
Memory size	78.1 KiB

Quantile statistics

Minimum	-2
5-th percentile	-2
Q1	-1
median	0
Q3	0
95-th percentile	2
Maximum	8
Range	10
Interquartile range (IQR)	1

Descriptive statistics

Standard deviation	1.107729884
Coefficient of variation (CV)	-58.61004679
Kurtosis	2.15989509
Mean	-0.0189
Median Absolute Deviation (MAD)	1
Skewness	0.635150905
Sum	-189
Variance	1.227065497
Monotocity	Not monotonic

Histogram with fixed size bins (bins=11)

Value	Count	Frequency (%)
0	4918	49.2%
-1	1898	19.0%
1	1257	12.6%
-2	906	9.1%
2	878	8.8%
3	101	1.0%
4	25	0.2%
5	7	0.1%
6	4	< 0.1%
8	4	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
-2	906	9.1%
-1	1898	19.0%
0	4918	49.2%
1	1257	12.6%
2	878	8.8%

Value	Count	Frequency (%)
8	4	< 0.1%
7	2	< 0.1%
6	4	< 0.1%
5	7	0.1%
4	25	0.2%

PAY_2
Real number (ℝ)

ZEROS

Distinct	10
Distinct (%)	0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	-0.1455
Minimum	-2
Maximum	7
Zeros	5269
Zeros (%)	52.7%
Memory size	78.1 KiB

Quantile statistics

Minimum	-2
5-th percentile	-2
Q1	-1
median	0
Q3	0
95-th percentile	2
Maximum	7
Range	9
Interquartile range (IQR)	1

Descriptive statistics

Standard deviation	1.186031373
Coefficient of variation (CV)	-8.151418369
Kurtosis	1.378653128
Mean	-0.1455
Median Absolute Deviation (MAD)	0
Skewness	0.7640536384
Sum	-1455
Variance	1.406670417
Monotocity	Not monotonic

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0	5269	52.7%
-1	2033	20.3%
-2	1264	12.6%
2	1259	12.6%
3	121	1.2%
4	30	0.3%
5	8	0.1%
1	7	0.1%
6	5	0.1%
7	4	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
-2	1264	12.6%
-1	2033	20.3%
0	5269	52.7%
1	7	0.1%
2	1259	12.6%

Value	Count	Frequency (%)
7	4	< 0.1%
6	5	0.1%
5	8	0.1%
4	30	0.3%
3	121	1.2%

PAY_3
Real number (ℝ)

ZEROS

Distinct	10
Distinct (%)	0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	-0.186
Minimum	-2
Maximum	7
Zeros	5340
Zeros (%)	53.4%
Memory size	78.1 KiB

Quantile statistics

Minimum	-2
5-th percentile	-2
Q1	-1
median	0
Q3	0
95-th percentile	2
Maximum	7
Range	9
Interquartile range (IQR)	1

Descriptive statistics

Standard deviation	1.17266428
Coefficient of variation (CV)	-6.304646668
Kurtosis	2.192194996
Mean	-0.186
Median Absolute Deviation (MAD)	0
Skewness	0.8483908116
Sum	-1860
Variance	1.375141514
Monotocity	Not monotonic

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0	5340	53.4%
-1	2006	20.1%
-2	1346	13.5%
2	1182	11.8%
3	76	0.8%
4	24	0.2%
5	11	0.1%
7	10	0.1%
6	4	< 0.1%
1	1	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
-2	1346	13.5%
-1	2006	20.1%
0	5340	53.4%
1	1	< 0.1%
2	1182	11.8%

Value	Count	Frequency (%)
7	10	0.1%
6	4	< 0.1%
5	11	0.1%
4	24	0.2%
3	76	0.8%

PAY_4
Real number (ℝ)

ZEROS

Distinct	9
Distinct (%)	0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	-0.2311
Minimum	-2
Maximum	7
Zeros	5530
Zeros (%)	55.3%
Memory size	78.1 KiB

Quantile statistics

Minimum	-2
5-th percentile	-2
Q1	-1
median	0
Q3	0
95-th percentile	2
Maximum	7
Range	9
Interquartile range (IQR)	1

Descriptive statistics

Standard deviation	1.153700955
Coefficient of variation (CV)	-4.992215295
Kurtosis	3.713579895
Mean	-0.2311
Median Absolute Deviation (MAD)	0
Skewness	1.022541963
Sum	-2311
Variance	1.331025893
Monotocity	Not monotonic

Histogram with fixed size bins (bins=9)

Value	Count	Frequency (%)
0	5530	55.3%
-1	1934	19.3%
-2	1424	14.2%
2	991	9.9%
3	65	0.7%
4	24	0.2%
7	21	0.2%
5	10	0.1%
1	1	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
-2	1424	14.2%
-1	1934	19.3%
0	5530	55.3%
1	1	< 0.1%
2	991	9.9%

Value	Count	Frequency (%)
7	21	0.2%
5	10	0.1%
4	24	0.2%
3	65	0.7%
2	991	9.9%

PAY_5
Real number (ℝ)

ZEROS

Distinct	9
Distinct (%)	0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	-0.2717
Minimum	-2
Maximum	7
Zeros	5660
Zeros (%)	56.6%
Memory size	78.1 KiB

Quantile statistics

Minimum	-2
5-th percentile	-2
Q1	-1
median	0
Q3	0
95-th percentile	2
Maximum	7
Range	9
Interquartile range (IQR)	1

Descriptive statistics

Standard deviation	1.122499492
Coefficient of variation (CV)	-4.131393053
Kurtosis	3.965619239
Mean	-0.2717
Median Absolute Deviation (MAD)	0
Skewness	0.9866710449
Sum	-2717
Variance	1.260005111
Monotocity	Not monotonic

Histogram with fixed size bins (bins=9)

Value	Count	Frequency (%)
0	5660	56.6%
-1	1864	18.6%
-2	1506	15.1%
2	865	8.6%
3	55	0.5%
4	26	0.3%
7	19	0.2%
5	3	< 0.1%
6	2	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
-2	1506	15.1%
-1	1864	18.6%
0	5660	56.6%
2	865	8.6%
3	55	0.5%

Value	Count	Frequency (%)
7	19	0.2%
6	2	< 0.1%
5	3	< 0.1%
4	26	0.3%
3	55	0.5%

PAY_6
Real number (ℝ)

ZEROS

Distinct	9
Distinct (%)	0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	-0.2948
Minimum	-2
Maximum	7
Zeros	5443
Zeros (%)	54.4%
Memory size	78.1 KiB

Quantile statistics

Minimum	-2
5-th percentile	-2
Q1	-1
median	0
Q3	0
95-th percentile	2
Maximum	7
Range	9
Interquartile range (IQR)	1

Descriptive statistics

Standard deviation	1.143601216
Coefficient of variation (CV)	-3.879244289
Kurtosis	3.412360652
Mean	-0.2948
Median Absolute Deviation (MAD)	0
Skewness	0.9385784289
Sum	-2948
Variance	1.307823742
Monotocity	Not monotonic

Histogram with fixed size bins (bins=9)

Value	Count	Frequency (%)
0	5443	54.4%
-1	1918	19.2%
-2	1628	16.3%
2	914	9.1%
3	56	0.6%
7	15	0.1%
4	13	0.1%
6	8	0.1%
5	5	0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
-2	1628	16.3%
-1	1918	19.2%
0	5443	54.4%
2	914	9.1%
3	56	0.6%

Value	Count	Frequency (%)
7	15	0.1%
6	8	0.1%
5	5	0.1%
4	13	0.1%
3	56	0.6%

BILL_AMT1
Real number (ℝ)

HIGH CORRELATION
ZEROS

Distinct	8358
Distinct (%)	83.6%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	50612.1955
Minimum	-154973
Maximum	653062
Zeros	668
Zeros (%)	6.7%
Memory size	78.1 KiB

Quantile statistics

Minimum	-154973
5-th percentile	0
Q1	3349.5
median	21527
Q3	67139.75
95-th percentile	197004.75
Maximum	653062
Range	808035
Interquartile range (IQR)	63790.25

Descriptive statistics

Standard deviation	73300.75
Coefficient of variation (CV)	1.448282361
Kurtosis	9.73669744
Mean	50612.1955
Median Absolute Deviation (MAD)	21112
Skewness	2.675507001
Sum	506121955
Variance	5372999950
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	668	6.7%
100	101	1.0%
390	67	0.7%
326	22	0.2%
780	21	0.2%
2500	20	0.2%
316	19	0.2%
396	17	0.2%
2400	14	0.1%
-5	11	0.1%
Other values (8348)	9040	90.4%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
-154973	1	< 0.1%
-10682	1	< 0.1%
-9095	1	< 0.1%
-8187	1	< 0.1%
-7438	1	< 0.1%

Value	Count	Frequency (%)
653062	1	< 0.1%
626648	1	< 0.1%
621749	1	< 0.1%
613860	1	< 0.1%
610723	1	< 0.1%

BILL_AMT2
Real number (ℝ)

HIGH CORRELATION
ZEROS

Distinct	8166
Distinct (%)	81.7%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	49023.6507
Minimum	-67526
Maximum	671563
Zeros	929
Zeros (%)	9.3%
Memory size	78.1 KiB

Quantile statistics

Minimum	-67526
5-th percentile	0
Q1	2650
median	20792
Q3	64672
95-th percentile	192981.85
Maximum	671563
Range	739089
Interquartile range (IQR)	62022

Descriptive statistics

Standard deviation	71281.03389
Coefficient of variation (CV)	1.454013173
Kurtosis	9.807759891
Mean	49023.6507
Median Absolute Deviation (MAD)	20476
Skewness	2.68631414
Sum	490236507
Variance	5080985792
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	929	9.3%
390	62	0.6%
316	27	0.3%
780	25	0.2%
326	23	0.2%
2500	16	0.2%
2400	15	0.1%
396	14	0.1%
-200	12	0.1%
416	9	0.1%
Other values (8156)	8868	88.7%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
-67526	1	< 0.1%
-30000	1	< 0.1%
-26214	1	< 0.1%
-24704	1	< 0.1%
-17810	1	< 0.1%

Value	Count	Frequency (%)
671563	1	< 0.1%
624475	1	< 0.1%
597793	1	< 0.1%
586825	1	< 0.1%
555086	1	< 0.1%

BILL_AMT3
Real number (ℝ)

HIGH CORRELATION
ZEROS

Distinct	8066
Distinct (%)	80.7%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	46799.9364
Minimum	-34041
Maximum	855086
Zeros	1022
Zeros (%)	10.2%
Memory size	78.1 KiB

Quantile statistics

Minimum	-34041
5-th percentile	0
Q1	2459.25
median	19688.5
Q3	60810.75
95-th percentile	185668.7
Maximum	855086
Range	889127
Interquartile range (IQR)	58351.5

Descriptive statistics

Standard deviation	69673.91968
Coefficient of variation (CV)	1.488760991
Kurtosis	12.57272627
Mean	46799.9364
Median Absolute Deviation (MAD)	19372.5
Skewness	2.925391352
Sum	467999364
Variance	4854455084
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	1022	10.2%
390	86	0.9%
316	28	0.3%
780	21	0.2%
326	21	0.2%
396	19	0.2%
2400	15	0.1%
2500	11	0.1%
200	10	0.1%
500	9	0.1%
Other values (8056)	8758	87.6%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
-34041	1	< 0.1%
-24702	1	< 0.1%
-15910	1	< 0.1%
-15641	1	< 0.1%
-15000	1	< 0.1%

Value	Count	Frequency (%)
855086	1	< 0.1%
689643	1	< 0.1%
689627	1	< 0.1%
632041	1	< 0.1%
597415	1	< 0.1%

BILL_AMT4
Real number (ℝ)

HIGH CORRELATION
ZEROS

Distinct	7928
Distinct (%)	79.3%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	42601.8695
Minimum	-170000
Maximum	706864
Zeros	1162
Zeros (%)	11.6%
Memory size	78.1 KiB

Quantile statistics

Minimum	-170000
5-th percentile	0
Q1	1927.5
median	18758.5
Q3	53434.5
95-th percentile	171915.5
Maximum	706864
Range	876864
Interquartile range (IQR)	51507

Descriptive statistics

Standard deviation	64340.97914
Coefficient of variation (CV)	1.510285344
Kurtosis	11.81937837
Mean	42601.8695
Median Absolute Deviation (MAD)	18368.5
Skewness	2.894223482
Sum	426018695
Variance	4139761597
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	1162	11.6%
390	69	0.7%
780	35	0.4%
316	26	0.3%
326	18	0.2%
2400	16	0.2%
150	15	0.1%
396	14	0.1%
2500	13	0.1%
300	10	0.1%
Other values (7918)	8622	86.2%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
-170000	1	< 0.1%
-81334	1	< 0.1%
-65167	1	< 0.1%
-34503	1	< 0.1%
-15910	1	< 0.1%

Value	Count	Frequency (%)
706864	1	< 0.1%
616836	1	< 0.1%
569034	1	< 0.1%
541019	1	< 0.1%
530672	1	< 0.1%

BILL_AMT5
Real number (ℝ)

HIGH CORRELATION
ZEROS

Distinct	7771
Distinct (%)	77.7%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	39850.1717
Minimum	-37594
Maximum	551702
Zeros	1267
Zeros (%)	12.7%
Memory size	78.1 KiB

Quantile statistics

Minimum	-37594
5-th percentile	0
Q1	1584.25
median	17790.5
Q3	49799.75
95-th percentile	164914.6
Maximum	551702
Range	589296
Interquartile range (IQR)	48215.5

Descriptive statistics

Standard deviation	60256.79134
Coefficient of variation (CV)	1.512083607
Kurtosis	10.25660286
Mean	39850.1717
Median Absolute Deviation (MAD)	17400.5
Skewness	2.7718537
Sum	398501717
Variance	3630880903
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	1267	12.7%
390	69	0.7%
316	29	0.3%
780	26	0.3%
326	19	0.2%
150	18	0.2%
396	18	0.2%
2400	14	0.1%
2500	13	0.1%
300	11	0.1%
Other values (7761)	8516	85.2%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
-37594	1	< 0.1%
-30481	1	< 0.1%
-23003	1	< 0.1%
-20753	1	< 0.1%
-20006	1	< 0.1%

Value	Count	Frequency (%)
551702	1	< 0.1%
514114	1	< 0.1%
503914	1	< 0.1%
501474	1	< 0.1%
480722	1	< 0.1%

BILL_AMT6
Real number (ℝ)

HIGH CORRELATION
ZEROS

Distinct	7652
Distinct (%)	76.5%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	38425.6049
Minimum	-339603
Maximum	568638
Zeros	1430
Zeros (%)	14.3%
Memory size	78.1 KiB

Quantile statistics

Minimum	-339603
5-th percentile	0
Q1	1053.5
median	16524.5
Q3	48802.5
95-th percentile	162110.45
Maximum	568638
Range	908241
Interquartile range (IQR)	47749

Descriptive statistics

Standard deviation	59510.34968
Coefficient of variation (CV)	1.548716015
Kurtosis	10.48931854
Mean	38425.6049
Median Absolute Deviation (MAD)	16333
Skewness	2.744849352
Sum	384256049
Variance	3541481719
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	1430	14.3%
390	60	0.6%
150	30	0.3%
316	26	0.3%
780	18	0.2%
2500	17	0.2%
326	17	0.2%
416	13	0.1%
396	13	0.1%
-2	12	0.1%
Other values (7642)	8364	83.6%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
-339603	1	< 0.1%
-150953	1	< 0.1%
-73895	1	< 0.1%
-51183	1	< 0.1%
-45734	1	< 0.1%

Value	Count	Frequency (%)
568638	1	< 0.1%
527711	1	< 0.1%
499100	1	< 0.1%
478034	1	< 0.1%
472480	1	< 0.1%

PAY_AMT1
Real number (ℝ_≥0)

ZEROS

Distinct	3815
Distinct (%)	38.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	6015.1521
Minimum	0
Maximum	493358
Zeros	1837
Zeros (%)	18.4%
Memory size	78.1 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	834.5
median	2100
Q3	5022.25
95-th percentile	19689.4
Maximum	493358
Range	493358
Interquartile range (IQR)	4187.75

Descriptive statistics

Standard deviation	17944.06816
Coefficient of variation (CV)	2.983144542
Kurtosis	160.025536
Mean	6015.1521
Median Absolute Deviation (MAD)	2050
Skewness	10.61281748
Sum	60151521
Variance	321989582.1
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	1837	18.4%
2000	453	4.5%
3000	276	2.8%
5000	237	2.4%
1500	173	1.7%
4000	146	1.5%
10000	138	1.4%
1000	111	1.1%
2500	88	0.9%
6000	84	0.8%
Other values (3805)	6457	64.6%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	1837	18.4%
1	3	< 0.1%
2	3	< 0.1%
3	8	0.1%
4	7	0.1%

Value	Count	Frequency (%)
493358	1	< 0.1%
368199	1	< 0.1%
304815	1	< 0.1%
302000	1	< 0.1%
300039	1	< 0.1%

PAY_AMT2
Real number (ℝ_≥0)

SKEWED
ZEROS

Distinct	3755
Distinct (%)	37.5%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	6141.2774
Minimum	0
Maximum	1227082
Zeros	1823
Zeros (%)	18.2%
Memory size	78.1 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	799.75
median	2009.5
Q3	5000
95-th percentile	19000.1
Maximum	1227082
Range	1227082
Interquartile range (IQR)	4200.25

Descriptive statistics

Standard deviation	24637.56804
Coefficient of variation (CV)	4.011798594
Kurtosis	964.5053804
Mean	6141.2774
Median Absolute Deviation (MAD)	1990.5
Skewness	24.47786596
Sum	61412774
Variance	607009759
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	1823	18.2%
2000	418	4.2%
3000	283	2.8%
5000	264	2.6%
1000	172	1.7%
1500	161	1.6%
4000	139	1.4%
10000	106	1.1%
6000	89	0.9%
2500	83	0.8%
Other values (3745)	6462	64.6%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	1823	18.2%
1	2	< 0.1%
2	6	0.1%
3	4	< 0.1%
4	5	0.1%

Value	Count	Frequency (%)
1227082	1	< 0.1%
1024516	1	< 0.1%
580464	1	< 0.1%
415552	1	< 0.1%
401003	1	< 0.1%

PAY_AMT3
Real number (ℝ_≥0)

ZEROS

Distinct	3598
Distinct (%)	36.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	4962.3974
Minimum	0
Maximum	400972
Zeros	2018
Zeros (%)	20.2%
Memory size	78.1 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	390
median	1773.5
Q3	4496.25
95-th percentile	16936.35
Maximum	400972
Range	400972
Interquartile range (IQR)	4106.25

Descriptive statistics

Standard deviation	14615.95517
Coefficient of variation (CV)	2.945341534
Kurtosis	190.477759
Mean	4962.3974
Median Absolute Deviation (MAD)	1773.5
Skewness	11.17283726
Sum	49623974
Variance	213626145.5
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	2018	20.2%
2000	422	4.2%
1000	365	3.6%
3000	297	3.0%
5000	233	2.3%
1500	162	1.6%
4000	133	1.3%
10000	98	1.0%
1200	86	0.9%
6000	65	0.7%
Other values (3588)	6121	61.2%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	2018	20.2%
1	2	< 0.1%
2	6	0.1%
3	3	< 0.1%
4	3	< 0.1%

Value	Count	Frequency (%)
400972	1	< 0.1%
397092	1	< 0.1%
310852	1	< 0.1%
234456	1	< 0.1%
232242	1	< 0.1%

PAY_AMT4
Real number (ℝ_≥0)

ZEROS

Distinct	3355
Distinct (%)	33.6%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	4963.5525
Minimum	0
Maximum	528897
Zeros	2210
Zeros (%)	22.1%
Memory size	78.1 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	218.75
median	1500
Q3	4000
95-th percentile	17002.8
Maximum	528897
Range	528897
Interquartile range (IQR)	3781.25

Descriptive statistics

Standard deviation	17275.45798
Coefficient of variation (CV)	3.480462427
Kurtosis	282.2000045
Mean	4963.5525
Median Absolute Deviation (MAD)	1500
Skewness	13.64627263
Sum	49635525
Variance	298441448.4
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	2210	22.1%
1000	439	4.4%
2000	376	3.8%
3000	305	3.0%
5000	258	2.6%
1500	150	1.5%
4000	130	1.3%
10000	88	0.9%
6000	83	0.8%
500	75	0.8%
Other values (3345)	5886	58.9%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	2210	22.1%
1	8	0.1%
2	7	0.1%
3	4	< 0.1%
4	6	0.1%

Value	Count	Frequency (%)
528897	1	< 0.1%
497000	1	< 0.1%
432130	1	< 0.1%
400046	1	< 0.1%
331788	1	< 0.1%

PAY_AMT5
Real number (ℝ_≥0)

ZEROS

Distinct	3279
Distinct (%)	32.8%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	4843.7145
Minimum	0
Maximum	417990
Zeros	2324
Zeros (%)	23.2%
Memory size	78.1 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	165
median	1500
Q3	4018.75
95-th percentile	15701.3
Maximum	417990
Range	417990
Interquartile range (IQR)	3853.75

Descriptive statistics

Standard deviation	15934.92723
Coefficient of variation (CV)	3.28981554
Kurtosis	164.1611901
Mean	4843.7145
Median Absolute Deviation (MAD)	1500
Skewness	10.83744383
Sum	48437145
Variance	253921905.9
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	2324	23.2%
1000	423	4.2%
2000	419	4.2%
5000	293	2.9%
3000	291	2.9%
1500	147	1.5%
4000	146	1.5%
10000	108	1.1%
2500	81	0.8%
500	80	0.8%
Other values (3269)	5688	56.9%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	2324	23.2%
1	4	< 0.1%
2	6	0.1%
3	4	< 0.1%
4	4	< 0.1%

Value	Count	Frequency (%)
417990	1	< 0.1%
332000	1	< 0.1%
326889	1	< 0.1%
302823	1	< 0.1%
284069	1	< 0.1%

PAY_AMT6
Real number (ℝ_≥0)

ZEROS

Distinct	3293
Distinct (%)	32.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	5082.9775
Minimum	0
Maximum	527143
Zeros	2423
Zeros (%)	24.2%
Memory size	78.1 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	100
median	1500
Q3	4003.5
95-th percentile	17242.5
Maximum	527143
Range	527143
Interquartile range (IQR)	3903.5

Descriptive statistics

Standard deviation	16619.73763
Coefficient of variation (CV)	3.26968546
Kurtosis	193.7215196
Mean	5082.9775
Median Absolute Deviation (MAD)	1500
Skewness	11.00257951
Sum	50829775
Variance	276215678.8
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	2423	24.2%
2000	423	4.2%
1000	402	4.0%
3000	295	2.9%
5000	260	2.6%
4000	152	1.5%
1500	138	1.4%
10000	115	1.1%
500	90	0.9%
2500	67	0.7%
Other values (3283)	5635	56.4%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	2423	24.2%
1	3	< 0.1%
2	3	< 0.1%
3	4	< 0.1%
4	3	< 0.1%

Value	Count	Frequency (%)
527143	1	< 0.1%
372495	1	< 0.1%
345293	1	< 0.1%
254000	1	< 0.1%
250400	1	< 0.1%

default
Boolean

Distinct	2
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	9.8 KiB

False	7762
True	2238

Common Values
Chart

Value	Count	Frequency (%)
False	7762	77.6%
True	2238	22.4%

PAY_1
Boolean

Distinct	2
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.1 KiB

1	9900
0	100

Common Values
Chart

Value	Count	Frequency (%)
1	9900	99.0%
0	100	1.0%

Pearson's r

The Pearson's correlation coefficient (r) is a measure of linear correlation between two variables. It's value lies between -1 and +1, -1 indicating total negative linear correlation, 0 indicating no linear correlation and 1 indicating total positive linear correlation. Furthermore, r is invariant under separate changes in location and scale of the two variables, implying that for a linear function the angle to the x-axis does not affect r.

To calculate r for two variables X and Y, one divides the covariance of X and Y by the product of their standard deviations.

Spearman's ρ

The Spearman's rank correlation coefficient (ρ) is a measure of monotonic correlation between two variables, and is therefore better in catching nonlinear monotonic correlations than Pearson's r. It's value lies between -1 and +1, -1 indicating total negative monotonic correlation, 0 indicating no monotonic correlation and 1 indicating total positive monotonic correlation.

To calculate ρ for two variables X and Y, one divides the covariance of the rank variables of X and Y by the product of their standard deviations.

Kendall's τ

Similarly to Spearman's rank correlation coefficient, the Kendall rank correlation coefficient (τ) measures ordinal association between two variables. It's value lies between -1 and +1, -1 indicating total negative correlation, 0 indicating no correlation and 1 indicating total positive correlation.

To calculate τ for two variables X and Y, one determines the number of concordant and discordant pairs of observations. τ is given by the number of concordant pairs minus the discordant pairs divided by the total number of pairs.

Phik (φk)

Phik (φk) is a new and practical correlation coefficient that works consistently between categorical, ordinal and interval variables, captures non-linear dependency and reverts to the Pearson correlation coefficient in case of a bivariate normal input distribution. There is extensive documentation available here.

Cramér's V (φc)

Cramér's V is an association measure for nominal random variables. The coefficient ranges from 0 to 1, with 0 indicating independence and 1 indicating perfect association. The empirical estimators used for Cramér's V have been proved to be biased, even for large samples. We use a bias-corrected measure that has been proposed by Bergsma in 2013 that can be found here.

Count
Matrix

First rows

	ID	LIMIT_BAL	SEX	EDUCATION	MARRIAGE	AGE	PAY_0	PAY_2	PAY_3	PAY_4	PAY_5	PAY_6	BILL_AMT1	BILL_AMT2	BILL_AMT3	BILL_AMT4	BILL_AMT5	BILL_AMT6	PAY_AMT1	PAY_AMT2	PAY_AMT3	PAY_AMT4	PAY_AMT5	PAY_AMT6	default	PAY_1
0	1	50000.0	2	3	2	23	2	0	0	0	0	0	50653.0	49348.0	47995.0	40226.0	27828.0	28411.0	2190.0	2027.0	2204.0	996.0	1031.0	1047.0	False	1.0
1	2	10000.0	1	3	2	25	0	0	0	0	0	-1	8525.0	5141.0	5239.0	7911.0	17890.0	10000.0	1500.0	5000.0	4000.0	2000.0	22400.0	0.0	False	1.0
2	3	150000.0	1	3	1	52	0	0	0	0	0	0	88812.0	90649.0	92499.0	94364.0	97589.0	99921.0	2564.0	2616.0	2647.0	4000.0	3158.0	2215.0	True	1.0
3	4	280000.0	2	2	2	26	0	0	0	0	0	0	25989.0	27052.0	28111.0	29138.0	29852.0	30717.0	1800.0	1800.0	1800.0	1500.0	1500.0	1500.0	False	1.0
4	5	360000.0	2	1	1	41	-2	-2	-2	-2	-2	-2	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	True	1.0
5	6	210000.0	2	2	2	27	-1	-1	-1	0	0	2	5353.0	280.0	4609.0	4703.0	6324.0	1621.0	280.0	4609.0	94.0	1621.0	0.0	32.0	False	1.0
6	7	120000.0	1	1	1	51	1	-2	-2	-1	0	-1	0.0	-416.0	-1248.0	832.0	416.0	1398.0	0.0	0.0	2080.0	0.0	1398.0	0.0	True	1.0
7	8	120000.0	2	3	1	39	1	2	2	2	2	2	69830.0	68108.0	70415.0	74443.0	75527.0	77171.0	0.0	3400.0	5800.0	2900.0	3000.0	3100.0	False	1.0
8	9	70000.0	2	3	1	27	2	2	2	2	2	2	27241.0	30416.0	29628.0	32350.0	33218.0	32532.0	3628.0	0.0	3218.0	1532.0	0.0	2257.0	True	1.0
9	10	170000.0	1	1	2	26	-1	-1	-1	-1	-1	-1	23594.0	1512.0	1362.0	1591.0	3524.0	8545.0	1512.0	1362.0	1591.0	3524.0	8545.0	1485.0	False	1.0

Last rows

	ID	LIMIT_BAL	SEX	EDUCATION	MARRIAGE	AGE	PAY_0	PAY_2	PAY_3	PAY_4	PAY_5	PAY_6	BILL_AMT1	BILL_AMT2	BILL_AMT3	BILL_AMT4	BILL_AMT5	BILL_AMT6	PAY_AMT1	PAY_AMT2	PAY_AMT3	PAY_AMT4	PAY_AMT5	PAY_AMT6	default	PAY_1
9990	9991	80000.0	2	2	2	28	0	0	0	0	0	0	79688.0	78165.0	68579.0	50312.0	44277.0	44488.0	2800.0	2398.0	2000.0	2000.0	1700.0	2005.0	False	1.0
9991	9992	100000.0	2	3	1	24	-1	-1	-1	-1	-1	-2	440.0	470.0	470.0	470.0	0.0	0.0	500.0	470.0	470.0	0.0	0.0	0.0	False	1.0
9992	9993	90000.0	2	2	2	24	-1	0	0	0	0	0	17524.0	22184.0	23270.0	27372.0	31905.0	34954.0	5000.0	5000.0	5000.0	5000.0	3600.0	2000.0	False	1.0
9993	9994	20000.0	1	2	2	27	0	0	0	0	0	0	18860.0	17904.0	15300.0	12776.0	3585.0	0.0	1360.0	1206.0	256.0	72.0	0.0	0.0	False	1.0
9994	9995	10000.0	1	1	2	26	-1	2	-1	-1	-1	-2	10252.0	5677.0	2735.0	4564.0	0.0	0.0	0.0	2735.0	4564.0	0.0	0.0	0.0	False	1.0
9995	9996	130000.0	1	1	2	34	0	0	0	0	0	0	23292.0	14077.0	15546.0	108047.0	93708.0	97353.0	3000.0	2000.0	93000.0	4000.0	5027.0	4005.0	False	1.0
9996	9997	100000.0	1	1	1	35	1	2	-1	-1	0	0	3515.0	2975.0	2342.0	12016.0	10203.0	5323.0	10.0	3141.0	12021.0	135.0	507.0	6.0	False	1.0
9997	9998	280000.0	1	1	1	30	0	0	0	0	0	0	166037.0	166291.0	162992.0	134154.0	161057.0	167490.0	12126.0	39102.0	5000.0	30000.0	10000.0	10000.0	False	1.0
9998	9999	170000.0	2	2	2	27	2	0	0	0	0	0	173577.0	171480.0	171794.0	166637.0	169021.0	164531.0	6500.0	7100.0	6100.0	6000.0	5600.0	7700.0	True	1.0
9999	10000	150000.0	2	1	2	27	2	2	2	2	0	0	15475.0	18212.0	18617.0	18020.0	18726.0	19414.0	3000.0	1000.0	0.0	1000.0	1000.0	1000.0	True	1.0

Overview

Variables

Interactions

Correlations

Pearson's r

Spearman's ρ

Kendall's τ

Phik (φk)

Cramér's V (φc)

Missing values

Sample

First rows

Last rows